Home > Freedom Bank > Performance and Condition Ratios
Freedom Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 3,000 |
| Cost of funding earning assets | 0.3187% | 1,974 |
| Net interest margin | 3.0475% | 3,088 |
| Noninterest income to average assets | -0.0400% | 4,728 |
| Noninterest expense to average assets | 2.3325% | 2,533 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3928% | 4,252 |
| Return on assets (ROA) | 0.3899% | 4,205 |
| Pretax return on assets | 0.4942% | 4,159 |
| Return on Equity (ROE) | 3.8900% | 4,168 |
| Retained earnings to average equity (ytd only) | 2.3257% | 3,953 |
| Net charge-offs to loans | -0.0032% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.4100% | 635 |
| Assets per employee ($millions) | 10.0990% | 641 |
| Cash dividends to net income (ytd only)* | 40.2191% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 3,694 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 57.8900% | 2,714 |
| Net loans and leases to deposits | 77.7310% | 1,740 |
| Net loans and leases to core deposits | 79.5237% | 1,933 |
| Total domestic deposits to total assets | 74.4800% | 4,441 |
| Equity capital to assets | 10.8996% | 1,215 |
| Core capital (leverage) ratio | 10.2706% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3224% | 1,930 |
| Memoranda: | ||
| Average total assets | $218,528,000 | 2,938 |
| Average earning assets | $205,803,250 | 2,911 |
| Average equity | $21,899,750 | 2,830 |
| Average total loans | $124,751,500 | 2,883 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 3,330 |
| Cost of funding earning assets | 0.3044% | 1,682 |
| Net interest margin | 2.7873% | 3,483 |
| Noninterest income to average assets | -0.1321% | 4,758 |
| Noninterest expense to average assets | 2.0844% | 3,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3310% | 4,233 |
| Return on assets (ROA) | 0.3267% | 4,194 |
| Pretax return on assets | 0.4097% | 4,144 |
| Return on Equity (ROE) | 3.3484% | 4,163 |
| Retained earnings to average equity (ytd only) | 3.3484% | 3,327 |
| Net charge-offs to loans | -0.0047% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3929% | 715 |
| Assets per employee ($millions) | 10.2941% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 3,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.9884% | 2,758 |
| Net loans and leases to deposits | 74.5499% | 1,799 |
| Net loans and leases to core deposits | 76.1388% | 2,004 |
| Total domestic deposits to total assets | 75.1019% | 4,501 |
| Equity capital to assets | 10.1722% | 1,611 |
| Core capital (leverage) ratio | 10.0012% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4059% | 1,897 |
| Memoranda: | ||
| Average total assets | $224,044,000 | 2,918 |
| Average earning assets | $211,533,667 | 2,907 |
| Average equity | $21,861,333 | 2,911 |
| Average total loans | $126,985,333 | 2,877 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9058% | 3,519 |
| Cost of funding earning assets | 0.3025% | 1,635 |
| Net interest margin | 2.6033% | 3,655 |
| Noninterest income to average assets | -0.1948% | 4,783 |
| Noninterest expense to average assets | 2.0493% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1807% | 4,355 |
| Return on assets (ROA) | 0.1719% | 4,339 |
| Pretax return on assets | 0.2070% | 4,322 |
| Return on Equity (ROE) | 1.7984% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.7984% | 3,598 |
| Net charge-offs to loans | -0.0031% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4025% | 529 |
| Assets per employee ($millions) | 10.1212% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.5967% | 2,231 |
| Net loans and leases to deposits | 77.1626% | 1,348 |
| Net loans and leases to core deposits | 78.7393% | 1,565 |
| Total domestic deposits to total assets | 75.9393% | 4,504 |
| Equity capital to assets | 9.7927% | 2,056 |
| Core capital (leverage) ratio | 9.6701% | 2,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5837% | 2,385 |
| Memoranda: | ||
| Average total assets | $227,977,500 | 2,911 |
| Average earning assets | $215,571,000 | 2,891 |
| Average equity | $21,797,000 | 3,000 |
| Average total loans | $129,401,000 | 2,855 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4828% | 2,707 |
| Cost of funding earning assets | 0.4152% | 1,435 |
| Net interest margin | 3.0676% | 3,002 |
| Noninterest income to average assets | 0.2322% | 3,991 |
| Noninterest expense to average assets | 2.3090% | 2,769 |
| Loan and lease loss provision to assets | -0.0586% | 4,397 |
| Net operating income to assets | 0.6374% | 3,781 |
| Return on assets (ROA) | 0.6374% | 3,835 |
| Pretax return on assets | 0.8302% | 3,666 |
| Return on Equity (ROE) | 6.3456% | 3,691 |
| Retained earnings to average equity (ytd only) | -2.7642% | 4,651 |
| Net charge-offs to loans | -0.0044% | 3,522 |
| Credit loss provision to net charge-offs | 2,083.3333% | 301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9543% | 1,216 |
| Assets per employee ($millions) | 8.6403% | 1,038 |
| Cash dividends to net income (ytd only)* | 143.5614% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,118 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 54.0497% | 2,845 |
| Net loans and leases to deposits | 71.2424% | 1,986 |
| Net loans and leases to core deposits | 72.7422% | 2,186 |
| Total domestic deposits to total assets | 75.8673% | 4,515 |
| Equity capital to assets | 9.3399% | 3,279 |
| Core capital (leverage) ratio | 9.5286% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7359% | 2,347 |
| Memoranda: | ||
| Average total assets | $213,209,400 | 2,959 |
| Average earning assets | $197,970,800 | 2,969 |
| Average equity | $21,416,400 | 3,102 |
| Average total loans | $136,531,200 | 2,765 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 2,574 |
| Cost of funding earning assets | 0.4473% | 1,371 |
| Net interest margin | 3.1478% | 2,910 |
| Noninterest income to average assets | 0.2203% | 4,084 |
| Noninterest expense to average assets | 2.4202% | 2,373 |
| Loan and lease loss provision to assets | -0.0802% | 4,552 |
| Net operating income to assets | 0.6033% | 4,001 |
| Return on assets (ROA) | 0.6033% | 4,050 |
| Pretax return on assets | 0.7871% | 3,913 |
| Return on Equity (ROE) | 5.8901% | 3,938 |
| Retained earnings to average equity (ytd only) | -6.3091% | 4,807 |
| Net charge-offs to loans | -0.0048% | 3,427 |
| Credit loss provision to net charge-offs | 2,500.0000% | 275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3909% | 923 |
| Assets per employee ($millions) | 8.4051% | 1,087 |
| Cash dividends to net income (ytd only)* | 207.1125% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.2349% | 2,458 |
| Net loans and leases to deposits | 77.1771% | 1,556 |
| Net loans and leases to core deposits | 77.7861% | 1,904 |
| Total domestic deposits to total assets | 75.4562% | 4,574 |
| Equity capital to assets | 9.7793% | 3,124 |
| Core capital (leverage) ratio | 9.7996% | 2,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7352% | 2,456 |
| Memoranda: | ||
| Average total assets | $208,189,500 | 3,031 |
| Average earning assets | $192,253,500 | 3,047 |
| Average equity | $21,323,250 | 3,141 |
| Average total loans | $138,861,750 | 2,776 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 2,577 |
| Cost of funding earning assets | 0.4839% | 1,298 |
| Net interest margin | 3.1307% | 2,952 |
| Noninterest income to average assets | 0.2393% | 3,969 |
| Noninterest expense to average assets | 2.5144% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4562% | 4,292 |
| Return on assets (ROA) | 0.4562% | 4,333 |
| Pretax return on assets | 0.5939% | 4,243 |
| Return on Equity (ROE) | 4.3835% | 4,258 |
| Retained earnings to average equity (ytd only) | -13.9295% | 4,897 |
| Net charge-offs to loans | -0.0042% | 3,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8925% | 733 |
| Assets per employee ($millions) | 8.4140% | 1,033 |
| Cash dividends to net income (ytd only)* | 417.7730% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.5990% | 2,224 |
| Net loans and leases to deposits | 81.1569% | 1,312 |
| Net loans and leases to core deposits | 81.7914% | 1,739 |
| Total domestic deposits to total assets | 75.9011% | 4,565 |
| Equity capital to assets | 9.5536% | 3,286 |
| Core capital (leverage) ratio | 10.2394% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0890% | 2,688 |
| Memoranda: | ||
| Average total assets | $204,742,000 | 3,059 |
| Average earning assets | $187,626,333 | 3,082 |
| Average equity | $21,307,333 | 3,145 |
| Average total loans | $142,356,333 | 2,757 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 2,516 |
| Cost of funding earning assets | 0.5107% | 1,325 |
| Net interest margin | 3.1317% | 2,900 |
| Noninterest income to average assets | 0.2488% | 3,909 |
| Noninterest expense to average assets | 2.6056% | 1,875 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4289% | 4,314 |
| Return on assets (ROA) | 0.4289% | 4,345 |
| Pretax return on assets | 0.5583% | 4,258 |
| Return on Equity (ROE) | 3.9422% | 4,295 |
| Retained earnings to average equity (ytd only) | -32.3369% | 4,954 |
| Net charge-offs to loans | -0.0055% | 3,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 686 |
| Assets per employee ($millions) | 7.7650% | 1,302 |
| Cash dividends to net income (ytd only)* | 920.2830% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 4,323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.3088% | 980 |
| Net loans and leases to deposits | 96.7647% | 384 |
| Net loans and leases to core deposits | 97.5960% | 819 |
| Total domestic deposits to total assets | 74.7265% | 4,641 |
| Equity capital to assets | 10.2238% | 2,503 |
| Core capital (leverage) ratio | 10.5265% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7745% | 2,744 |
| Memoranda: | ||
| Average total assets | $197,730,500 | 3,110 |
| Average earning assets | $184,053,000 | 3,103 |
| Average equity | $21,511,000 | 3,118 |
| Average total loans | $145,536,500 | 2,739 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,444 |
| Cost of funding earning assets | 0.7476% | 1,461 |
| Net interest margin | 3.7001% | 1,799 |
| Noninterest income to average assets | 0.2632% | 3,902 |
| Noninterest expense to average assets | 2.7325% | 2,135 |
| Loan and lease loss provision to assets | 0.0569% | 3,657 |
| Net operating income to assets | 0.6845% | 3,484 |
| Return on assets (ROA) | 0.6845% | 3,611 |
| Pretax return on assets | 0.8935% | 3,381 |
| Return on Equity (ROE) | 5.7903% | 3,644 |
| Retained earnings to average equity (ytd only) | 4.8832% | 2,325 |
| Net charge-offs to loans | -0.0090% | 4,239 |
| Credit loss provision to net charge-offs | -807.6923% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1950% | 1,418 |
| Assets per employee ($millions) | 7.7428% | 1,144 |
| Cash dividends to net income (ytd only)* | 15.6646% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.6757% | 1,067 |
| Net loans and leases to deposits | 101.7051% | 316 |
| Net loans and leases to core deposits | 102.6443% | 784 |
| Total domestic deposits to total assets | 72.4405% | 4,695 |
| Equity capital to assets | 11.5622% | 1,839 |
| Core capital (leverage) ratio | 11.8199% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8828% | 2,286 |
| Memoranda: | ||
| Average total assets | $184,663,400 | 3,065 |
| Average earning assets | $170,672,800 | 3,064 |
| Average equity | $21,829,800 | 3,024 |
| Average total loans | $143,970,000 | 2,714 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,108 |
| Cost of funding earning assets | 0.7912% | 1,544 |
| Net interest margin | 3.8886% | 1,376 |
| Noninterest income to average assets | 0.2711% | 3,844 |
| Noninterest expense to average assets | 2.6726% | 2,338 |
| Loan and lease loss provision to assets | 0.0219% | 4,058 |
| Net operating income to assets | 0.8909% | 2,741 |
| Return on assets (ROA) | 0.8909% | 2,857 |
| Pretax return on assets | 1.1649% | 2,506 |
| Return on Equity (ROE) | 7.4926% | 3,017 |
| Retained earnings to average equity (ytd only) | 6.8103% | 1,772 |
| Net charge-offs to loans | -0.0083% | 4,180 |
| Credit loss provision to net charge-offs | -333.3333% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2482% | 1,997 |
| Assets per employee ($millions) | 7.2233% | 1,362 |
| Cash dividends to net income (ytd only)* | 9.1058% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 4,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 80.7082% | 550 |
| Net loans and leases to deposits | 115.7504% | 152 |
| Net loans and leases to core deposits | 116.6151% | 487 |
| Total domestic deposits to total assets | 69.7260% | 4,767 |
| Equity capital to assets | 11.9363% | 1,718 |
| Core capital (leverage) ratio | 11.9049% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3177% | 2,060 |
| Memoranda: | ||
| Average total assets | $182,436,750 | 3,071 |
| Average earning assets | $168,352,750 | 3,075 |
| Average equity | $21,692,000 | 3,028 |
| Average total loans | $144,000,000 | 2,716 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,669 |
| Cost of funding earning assets | 0.8483% | 1,609 |
| Net interest margin | 3.7402% | 2,024 |
| Noninterest income to average assets | 0.2746% | 3,831 |
| Noninterest expense to average assets | 2.7390% | 2,257 |
| Loan and lease loss provision to assets | 0.0332% | 3,847 |
| Net operating income to assets | 0.7307% | 3,279 |
| Return on assets (ROA) | 0.7307% | 3,390 |
| Pretax return on assets | 0.9532% | 3,169 |
| Return on Equity (ROE) | 6.1538% | 3,454 |
| Retained earnings to average equity (ytd only) | 5.4638% | 2,287 |
| Net charge-offs to loans | -0.0113% | 4,233 |
| Credit loss provision to net charge-offs | -375.0000% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5215% | 1,509 |
| Assets per employee ($millions) | 7.6007% | 1,127 |
| Cash dividends to net income (ytd only)* | 11.2121% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 4,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 79.7698% | 616 |
| Net loans and leases to deposits | 112.1505% | 192 |
| Net loans and leases to core deposits | 115.0996% | 561 |
| Total domestic deposits to total assets | 71.1275% | 4,747 |
| Equity capital to assets | 11.5131% | 1,963 |
| Core capital (leverage) ratio | 11.7290% | 1,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4964% | 2,401 |
| Memoranda: | ||
| Average total assets | $180,647,333 | 3,068 |
| Average earning assets | $166,677,667 | 3,077 |
| Average equity | $21,450,333 | 3,035 |
| Average total loans | $141,089,667 | 2,735 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4973% | 2,319 |
| Cost of funding earning assets | 0.9759% | 1,534 |
| Net interest margin | 3.5214% | 2,907 |
| Noninterest income to average assets | 0.3160% | 3,623 |
| Noninterest expense to average assets | 2.8302% | 2,341 |
| Loan and lease loss provision to assets | 0.0682% | 2,900 |
| Net operating income to assets | 0.5137% | 3,859 |
| Return on assets (ROA) | 0.5137% | 3,918 |
| Pretax return on assets | 0.6661% | 3,780 |
| Return on Equity (ROE) | 4.2567% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.5598% | 2,868 |
| Net charge-offs to loans | -0.0177% | 4,296 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4005% | 1,201 |
| Assets per employee ($millions) | 7.7030% | 828 |
| Cash dividends to net income (ytd only)* | 16.3717% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 76.5765% | 1,199 |
| Net loans and leases to deposits | 106.7117% | 268 |
| Net loans and leases to core deposits | 115.3893% | 612 |
| Total domestic deposits to total assets | 71.7601% | 4,783 |
| Equity capital to assets | 12.0919% | 2,001 |
| Core capital (leverage) ratio | 12.2335% | 1,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3291% | 2,560 |
| Memoranda: | ||
| Average total assets | $175,962,000 | 3,075 |
| Average earning assets | $162,320,000 | 3,086 |
| Average equity | $21,237,000 | 3,053 |
| Average total loans | $135,268,000 | 2,769 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 3,041 |
| Cost of funding earning assets | 1.2497% | 890 |
| Net interest margin | 3.2202% | 4,144 |
| Noninterest income to average assets | 0.2945% | 3,925 |
| Noninterest expense to average assets | 2.4989% | 3,454 |
| Loan and lease loss provision to assets | 0.0135% | 3,746 |
| Net operating income to assets | 0.5623% | 4,264 |
| Return on assets (ROA) | 0.7005% | 3,927 |
| Pretax return on assets | 0.9137% | 3,696 |
| Return on Equity (ROE) | 6.7150% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.9511% | 1,892 |
| Net charge-offs to loans | -0.1331% | 4,995 |
| Credit loss provision to net charge-offs | -14.8810% | 4,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8632% | 1,280 |
| Assets per employee ($millions) | 7.5981% | 832 |
| Cash dividends to net income (ytd only)* | 11.3759% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 4,199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 75.8744% | 1,439 |
| Net loans and leases to deposits | 118.8042% | 86 |
| Net loans and leases to core deposits | 120.0020% | 480 |
| Total domestic deposits to total assets | 63.8650% | 5,052 |
| Equity capital to assets | 12.0459% | 2,111 |
| Core capital (leverage) ratio | 12.8466% | 1,314 |
| Tier 1 risk-based capital ratio | 12.4555% | 4,106 |
| Total risk-based capital ratio | 13.1094% | 4,313 |
| Memoranda: | ||
| Average total assets | $185,723,400 | 2,956 |
| Average earning assets | $170,515,800 | 2,978 |
| Average equity | $19,374,600 | 3,183 |
| Average total loans | $126,245,000 | 2,865 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 3,002 |
| Cost of funding earning assets | 1.3600% | 659 |
| Net interest margin | 3.1579% | 4,389 |
| Noninterest income to average assets | 0.2901% | 3,997 |
| Noninterest expense to average assets | 2.5284% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5003% | 4,512 |
| Return on assets (ROA) | 0.6820% | 4,130 |
| Pretax return on assets | 0.8893% | 3,911 |
| Return on Equity (ROE) | 6.7806% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,369 |
| Net charge-offs to loans | -0.1694% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3165% | 980 |
| Assets per employee ($millions) | 8.4010% | 596 |
| Cash dividends to net income (ytd only)* | 11.4106% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 4,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.2224% | 1,612 |
| Net loans and leases to deposits | 103.9324% | 421 |
| Net loans and leases to core deposits | 110.6008% | 920 |
| Total domestic deposits to total assets | 72.3763% | 4,901 |
| Equity capital to assets | 12.3302% | 2,022 |
| Core capital (leverage) ratio | 11.3936% | 2,310 |
| Tier 1 risk-based capital ratio | 12.9122% | 3,898 |
| Total risk-based capital ratio | 13.5782% | 4,121 |
| Memoranda: | ||
| Average total assets | $188,465,250 | 2,956 |
| Average earning assets | $172,939,000 | 2,981 |
| Average equity | $18,955,500 | 3,250 |
| Average total loans | $124,378,000 | 2,915 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3706% | 3,417 |
| Cost of funding earning assets | 1.3711% | 594 |
| Net interest margin | 2.9995% | 4,690 |
| Noninterest income to average assets | 0.2786% | 4,069 |
| Noninterest expense to average assets | 2.4754% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4336% | 4,664 |
| Return on assets (ROA) | 0.4271% | 4,706 |
| Pretax return on assets | 0.5531% | 4,621 |
| Return on Equity (ROE) | 4.5404% | 4,458 |
| Retained earnings to average equity (ytd only) | 3.7456% | 3,384 |
| Net charge-offs to loans | -0.2546% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5177% | 837 |
| Assets per employee ($millions) | 7.0483% | 977 |
| Cash dividends to net income (ytd only)* | 17.5060% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 4,270 |
| Loan loss allowance to noncurrent loans | 10,820.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,790 |
| Noncurrent loans to loans | 0.0078% | 4,690 |
| Net loans and leases to total assets | 64.0551% | 3,332 |
| Net loans and leases to deposits | 97.4297% | 897 |
| Net loans and leases to core deposits | 112.6644% | 840 |
| Total domestic deposits to total assets | 65.7450% | 5,152 |
| Equity capital to assets | 10.0567% | 3,933 |
| Core capital (leverage) ratio | 10.2481% | 3,340 |
| Tier 1 risk-based capital ratio | 12.3744% | 4,201 |
| Total risk-based capital ratio | 13.0280% | 4,429 |
| Memoranda: | ||
| Average total assets | $195,280,670 | 2,910 |
| Average earning assets | $179,565,000 | 2,922 |
| Average equity | $18,368,330 | 3,309 |
| Average total loans | $123,347,000 | 2,944 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 3,651 |
| Cost of funding earning assets | 1.3275% | 601 |
| Net interest margin | 2.9407% | 4,836 |
| Noninterest income to average assets | 0.2739% | 4,051 |
| Noninterest expense to average assets | 2.4814% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3748% | 4,783 |
| Return on assets (ROA) | 0.3748% | 4,788 |
| Pretax return on assets | 0.4839% | 4,722 |
| Return on Equity (ROE) | 4.1296% | 4,547 |
| Retained earnings to average equity (ytd only) | 3.2900% | 3,603 |
| Net charge-offs to loans | -0.4189% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6806% | 733 |
| Assets per employee ($millions) | 7.3030% | 877 |
| Cash dividends to net income (ytd only)* | 20.3297% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,331 |
| Loan loss allowance to noncurrent loans | 665.8228% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 4,404 |
| Noncurrent loans to loans | 0.1282% | 4,162 |
| Net loans and leases to total assets | 61.9713% | 3,506 |
| Net loans and leases to deposits | 101.2898% | 544 |
| Net loans and leases to core deposits | 102.2270% | 1,444 |
| Total domestic deposits to total assets | 61.1822% | 5,272 |
| Equity capital to assets | 9.2981% | 4,437 |
| Core capital (leverage) ratio | 10.4999% | 3,051 |
| Tier 1 risk-based capital ratio | 12.6977% | 4,045 |
| Total risk-based capital ratio | 13.3561% | 4,290 |
| Memoranda: | ||
| Average total assets | $194,245,000 | 2,954 |
| Average earning assets | $177,781,500 | 2,973 |
| Average equity | $17,629,000 | 3,394 |
| Average total loans | $121,272,500 | 3,008 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 3,335 |
| Cost of funding earning assets | 0.9974% | 761 |
| Net interest margin | 3.2379% | 4,411 |
| Noninterest income to average assets | 0.3733% | 3,595 |
| Noninterest expense to average assets | 2.4650% | 3,713 |
| Loan and lease loss provision to assets | 0.0542% | 3,088 |
| Net operating income to assets | 0.6729% | 4,225 |
| Return on assets (ROA) | 0.6729% | 4,233 |
| Pretax return on assets | 0.8300% | 4,089 |
| Return on Equity (ROE) | 7.5944% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.1419% | 1,606 |
| Net charge-offs to loans | 0.0529% | 2,397 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,694 |
| Efficiency ratio | 73.6008% | 1,685 |
| Assets per employee ($millions) | 7.0856% | 940 |
| Cash dividends to net income (ytd only)* | 5.9581% | 3,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,613 |
| Loan loss allowance to noncurrent loans | 513.8889% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 4,354 |
| Noncurrent loans to loans | 0.1509% | 4,065 |
| Net loans and leases to total assets | 61.8750% | 3,580 |
| Net loans and leases to deposits | 105.7431% | 384 |
| Net loans and leases to core deposits | 106.7963% | 1,208 |
| Total domestic deposits to total assets | 58.5145% | 5,332 |
| Equity capital to assets | 8.8464% | 4,697 |
| Core capital (leverage) ratio | 10.4332% | 3,106 |
| Tier 1 risk-based capital ratio | 12.9576% | 3,871 |
| Total risk-based capital ratio | 13.5526% | 4,118 |
| Memoranda: | ||
| Average total assets | $184,580,800 | 3,010 |
| Average earning assets | $169,646,000 | 3,031 |
| Average equity | $16,354,200 | 3,480 |
| Average total loans | $113,449,600 | 3,090 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,393 |
| Cost of funding earning assets | 0.9146% | 867 |
| Net interest margin | 3.2620% | 4,374 |
| Noninterest income to average assets | 0.3003% | 4,139 |
| Noninterest expense to average assets | 2.4778% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6809% | 4,286 |
| Return on assets (ROA) | 0.6809% | 4,297 |
| Pretax return on assets | 0.8230% | 4,237 |
| Return on Equity (ROE) | 7.6815% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.3772% | 1,942 |
| Net charge-offs to loans | 0.0976% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.7684% | 2,328 |
| Efficiency ratio | 75.0663% | 1,455 |
| Assets per employee ($millions) | 7.0531% | 916 |
| Cash dividends to net income (ytd only)* | 3.9613% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 4,937 |
| Loan loss allowance to noncurrent loans | 224.6499% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,001 |
| Noncurrent loans to loans | 0.2968% | 3,615 |
| Net loans and leases to total assets | 62.7327% | 3,573 |
| Net loans and leases to deposits | 96.1861% | 1,133 |
| Net loans and leases to core deposits | 97.0471% | 2,021 |
| Total domestic deposits to total assets | 65.2202% | 5,337 |
| Equity capital to assets | 8.2621% | 5,051 |
| Core capital (leverage) ratio | 10.3594% | 3,223 |
| Tier 1 risk-based capital ratio | 12.8877% | 3,968 |
| Total risk-based capital ratio | 13.4078% | 4,303 |
| Memoranda: | ||
| Average total assets | $182,898,500 | 3,051 |
| Average earning assets | $168,236,750 | 3,067 |
| Average equity | $16,211,750 | 3,520 |
| Average total loans | $111,987,500 | 3,135 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0543% | 3,597 |
| Cost of funding earning assets | 0.8186% | 1,050 |
| Net interest margin | 3.2357% | 4,423 |
| Noninterest income to average assets | 0.2894% | 4,248 |
| Noninterest expense to average assets | 2.4104% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7295% | 4,109 |
| Return on assets (ROA) | 0.7295% | 4,109 |
| Pretax return on assets | 0.8548% | 4,095 |
| Return on Equity (ROE) | 8.0386% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.5866% | 1,804 |
| Net charge-offs to loans | -0.0641% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8200% | 1,732 |
| Assets per employee ($millions) | 5.9740% | 1,486 |
| Cash dividends to net income (ytd only)* | 5.6231% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.1634% | 3,690 |
| Net loans and leases to deposits | 94.6212% | 1,290 |
| Net loans and leases to core deposits | 95.4987% | 2,104 |
| Total domestic deposits to total assets | 64.6403% | 5,404 |
| Equity capital to assets | 8.7271% | 4,776 |
| Core capital (leverage) ratio | 10.6177% | 2,902 |
| Tier 1 risk-based capital ratio | 12.2182% | 4,361 |
| Total risk-based capital ratio | 12.7918% | 4,657 |
| Memoranda: | ||
| Average total assets | $180,386,330 | 3,090 |
| Average earning assets | $165,897,670 | 3,109 |
| Average equity | $16,371,000 | 3,516 |
| Average total loans | $109,227,670 | 3,184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,668 |
| Cost of funding earning assets | 0.7422% | 1,223 |
| Net interest margin | 3.2421% | 4,333 |
| Noninterest income to average assets | 0.2967% | 4,179 |
| Noninterest expense to average assets | 2.4677% | 3,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6248% | 4,359 |
| Return on assets (ROA) | 0.6248% | 4,369 |
| Pretax return on assets | 0.8136% | 4,114 |
| Return on Equity (ROE) | 6.7494% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.8511% | 2,779 |
| Net charge-offs to loans | -0.0075% | 4,144 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2055% | 1,718 |
| Assets per employee ($millions) | 7.2188% | 878 |
| Cash dividends to net income (ytd only)* | 13.3094% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 60.2540% | 3,731 |
| Net loans and leases to deposits | 81.2397% | 2,665 |
| Net loans and leases to core deposits | 103.9281% | 1,380 |
| Total domestic deposits to total assets | 74.1681% | 5,136 |
| Equity capital to assets | 8.9532% | 4,612 |
| Core capital (leverage) ratio | 10.7702% | 2,662 |
| Tier 1 risk-based capital ratio | 13.6924% | 3,550 |
| Total risk-based capital ratio | 14.3244% | 3,819 |
| Memoranda: | ||
| Average total assets | $177,982,500 | 3,150 |
| Average earning assets | $163,843,000 | 3,166 |
| Average equity | $16,475,500 | 3,532 |
| Average total loans | $106,746,000 | 3,248 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9214% | 3,651 |
| Cost of funding earning assets | 0.5919% | 1,658 |
| Net interest margin | 3.3295% | 4,070 |
| Noninterest income to average assets | 0.2785% | 4,466 |
| Noninterest expense to average assets | 2.2360% | 4,463 |
| Loan and lease loss provision to assets | 0.2267% | 863 |
| Net operating income to assets | 0.3531% | 4,822 |
| Return on assets (ROA) | 0.3628% | 4,820 |
| Pretax return on assets | 0.8982% | 3,933 |
| Return on Equity (ROE) | 3.5326% | 4,673 |
| Retained earnings to average equity (ytd only) | 2.6835% | 3,708 |
| Net charge-offs to loans | 0.4529% | 528 |
| Credit loss provision to net charge-offs | 89.0411% | 2,807 |
| Earnings coverage of net charge-offs (x) | 4.3584% | 3,477 |
| Efficiency ratio | 66.8288% | 3,108 |
| Assets per employee ($millions) | 7.6302% | 724 |
| Cash dividends to net income (ytd only)* | 24.0385% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 4,659 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 58.6795% | 3,952 |
| Net loans and leases to deposits | 86.8508% | 2,152 |
| Net loans and leases to core deposits | 111.2685% | 938 |
| Total domestic deposits to total assets | 67.5636% | 5,487 |
| Equity capital to assets | 9.5690% | 4,170 |
| Core capital (leverage) ratio | 10.7089% | 2,640 |
| Tier 1 risk-based capital ratio | 13.9192% | 3,406 |
| Total risk-based capital ratio | 14.5685% | 3,643 |
| Memoranda: | ||
| Average total assets | $172,004,400 | 3,222 |
| Average earning assets | $158,462,000 | 3,218 |
| Average equity | $17,663,800 | 3,406 |
| Average total loans | $96,719,600 | 3,398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,729 |
| Cost of funding earning assets | 0.5572% | 1,835 |
| Net interest margin | 3.3264% | 4,088 |
| Noninterest income to average assets | 0.2781% | 4,521 |
| Noninterest expense to average assets | 2.3459% | 4,168 |
| Loan and lease loss provision to assets | 0.3311% | 454 |
| Net operating income to assets | 0.4371% | 4,909 |
| Return on assets (ROA) | 0.4371% | 4,940 |
| Pretax return on assets | 0.6661% | 4,689 |
| Return on Equity (ROE) | 4.1830% | 4,800 |
| Retained earnings to average equity (ytd only) | 3.0646% | 4,082 |
| Net charge-offs to loans | 0.6545% | 300 |
| Credit loss provision to net charge-offs | 91.2017% | 2,445 |
| Earnings coverage of net charge-offs (x) | 2.7468% | 3,428 |
| Efficiency ratio | 70.1701% | 2,509 |
| Assets per employee ($millions) | 8.0709% | 614 |
| Cash dividends to net income (ytd only)* | 26.7387% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 56.3047% | 4,208 |
| Net loans and leases to deposits | 78.4664% | 3,122 |
| Net loans and leases to core deposits | 101.5697% | 1,575 |
| Total domestic deposits to total assets | 71.7564% | 5,391 |
| Equity capital to assets | 10.2541% | 3,632 |
| Core capital (leverage) ratio | 10.5846% | 2,897 |
| Tier 1 risk-based capital ratio | 14.0418% | 3,423 |
| Total risk-based capital ratio | 14.7135% | 3,644 |
| Memoranda: | ||
| Average total assets | $171,132,000 | 3,258 |
| Average earning assets | $157,684,000 | 3,261 |
| Average equity | $17,881,500 | 3,416 |
| Average total loans | $94,933,500 | 3,465 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 3,765 |
| Cost of funding earning assets | 0.5137% | 2,064 |
| Net interest margin | 3.3238% | 4,037 |
| Noninterest income to average assets | 0.2687% | 4,621 |
| Noninterest expense to average assets | 2.4333% | 3,962 |
| Loan and lease loss provision to assets | 0.2663% | 614 |
| Net operating income to assets | 0.4249% | 4,914 |
| Return on assets (ROA) | 0.4249% | 4,941 |
| Pretax return on assets | 0.6320% | 4,737 |
| Return on Equity (ROE) | 4.0398% | 4,819 |
| Retained earnings to average equity (ytd only) | 3.2184% | 3,797 |
| Net charge-offs to loans | 0.6691% | 292 |
| Credit loss provision to net charge-offs | 72.3473% | 2,351 |
| Earnings coverage of net charge-offs (x) | 2.4405% | 3,163 |
| Efficiency ratio | 73.0373% | 2,180 |
| Assets per employee ($millions) | 6.4644% | 1,179 |
| Cash dividends to net income (ytd only)* | 20.3343% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 4,791 |
| Loan loss allowance to noncurrent loans | 532.7044% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 4,825 |
| Noncurrent loans to loans | 0.1613% | 4,474 |
| Net loans and leases to total assets | 55.9872% | 4,228 |
| Net loans and leases to deposits | 75.5698% | 3,394 |
| Net loans and leases to core deposits | 97.1922% | 1,875 |
| Total domestic deposits to total assets | 74.0867% | 5,285 |
| Equity capital to assets | 10.3948% | 3,462 |
| Core capital (leverage) ratio | 10.8715% | 2,533 |
| Tier 1 risk-based capital ratio | 14.1199% | 3,361 |
| Total risk-based capital ratio | 14.7663% | 3,609 |
| Memoranda: | ||
| Average total assets | $168,989,670 | 3,296 |
| Average earning assets | $155,727,000 | 3,295 |
| Average equity | $17,773,000 | 3,435 |
| Average total loans | $92,956,330 | 3,515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8503% | 3,581 |
| Cost of funding earning assets | 0.5025% | 2,066 |
| Net interest margin | 3.3477% | 3,854 |
| Noninterest income to average assets | 0.2840% | 4,515 |
| Noninterest expense to average assets | 2.6135% | 3,446 |
| Loan and lease loss provision to assets | 0.5054% | 204 |
| Net operating income to assets | 0.1733% | 5,428 |
| Return on assets (ROA) | 0.1733% | 5,440 |
| Pretax return on assets | 0.2431% | 5,386 |
| Return on Equity (ROE) | 1.6375% | 5,395 |
| Retained earnings to average equity (ytd only) | 0.7960% | 4,722 |
| Net charge-offs to loans | 1.3932% | 121 |
| Credit loss provision to net charge-offs | 66.8790% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.9904% | 2,770 |
| Efficiency ratio | 77.7380% | 1,668 |
| Assets per employee ($millions) | 7.2704% | 830 |
| Cash dividends to net income (ytd only)* | 51.3889% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9065% | 4,732 |
| Loan loss allowance to noncurrent loans | 514.9068% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,883 |
| Noncurrent loans to loans | 0.1761% | 4,493 |
| Net loans and leases to total assets | 54.1912% | 4,325 |
| Net loans and leases to deposits | 74.4822% | 3,353 |
| Net loans and leases to core deposits | 91.5842% | 2,211 |
| Total domestic deposits to total assets | 72.7573% | 5,503 |
| Equity capital to assets | 10.5754% | 3,099 |
| Core capital (leverage) ratio | 10.8480% | 2,541 |
| Tier 1 risk-based capital ratio | 14.7707% | 3,083 |
| Total risk-based capital ratio | 15.4416% | 3,286 |
| Memoranda: | ||
| Average total assets | $166,214,500 | 3,356 |
| Average earning assets | $152,821,000 | 3,367 |
| Average equity | $17,588,000 | 3,471 |
| Average total loans | $90,151,000 | 3,598 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 3,424 |
| Cost of funding earning assets | 0.4558% | 2,486 |
| Net interest margin | 3.4823% | 3,502 |
| Noninterest income to average assets | 0.4348% | 3,651 |
| Noninterest expense to average assets | 2.3632% | 4,391 |
| Loan and lease loss provision to assets | 0.1783% | 1,349 |
| Net operating income to assets | 0.7198% | 3,693 |
| Return on assets (ROA) | 0.8572% | 3,148 |
| Pretax return on assets | 1.3181% | 2,218 |
| Return on Equity (ROE) | 8.3272% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.2152% | 1,601 |
| Net charge-offs to loans | 0.3939% | 676 |
| Credit loss provision to net charge-offs | 85.7550% | 2,876 |
| Earnings coverage of net charge-offs (x) | 6.1795% | 3,219 |
| Efficiency ratio | 64.7775% | 3,803 |
| Assets per employee ($millions) | 7.1830% | 842 |
| Cash dividends to net income (ytd only)* | 25.3628% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 4,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 53.2183% | 4,507 |
| Net loans and leases to deposits | 75.4242% | 3,375 |
| Net loans and leases to core deposits | 92.0601% | 2,297 |
| Total domestic deposits to total assets | 70.5587% | 5,641 |
| Equity capital to assets | 10.5877% | 3,056 |
| Core capital (leverage) ratio | 10.7062% | 2,648 |
| Tier 1 risk-based capital ratio | 15.1186% | 2,914 |
| Total risk-based capital ratio | 15.8931% | 3,068 |
| Memoranda: | ||
| Average total assets | $168,799,000 | 3,302 |
| Average earning assets | $155,757,400 | 3,300 |
| Average equity | $17,376,800 | 3,503 |
| Average total loans | $89,110,600 | 3,590 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 3,511 |
| Cost of funding earning assets | 0.4463% | 2,587 |
| Net interest margin | 3.4770% | 3,551 |
| Noninterest income to average assets | 0.2797% | 4,769 |
| Noninterest expense to average assets | 2.2825% | 4,575 |
| Loan and lease loss provision to assets | 0.2365% | 821 |
| Net operating income to assets | 0.6414% | 4,119 |
| Return on assets (ROA) | 0.6710% | 4,124 |
| Pretax return on assets | 1.0191% | 3,558 |
| Return on Equity (ROE) | 6.5635% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.0273% | 3,433 |
| Net charge-offs to loans | 0.5442% | 388 |
| Credit loss provision to net charge-offs | 82.6923% | 2,630 |
| Earnings coverage of net charge-offs (x) | 4.2335% | 3,297 |
| Efficiency ratio | 65.3396% | 3,703 |
| Assets per employee ($millions) | 8.0149% | 590 |
| Cash dividends to net income (ytd only)* | 38.6417% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 4,351 |
| Loan loss allowance to noncurrent loans | 134.1108% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,864 |
| Noncurrent loans to loans | 0.7522% | 2,791 |
| Net loans and leases to total assets | 51.2026% | 4,717 |
| Net loans and leases to deposits | 73.8314% | 3,613 |
| Net loans and leases to core deposits | 96.3625% | 1,956 |
| Total domestic deposits to total assets | 69.3507% | 5,728 |
| Equity capital to assets | 10.0308% | 4,103 |
| Core capital (leverage) ratio | 10.1039% | 3,439 |
| Tier 1 risk-based capital ratio | 14.3005% | 3,396 |
| Total risk-based capital ratio | 15.0506% | 3,597 |
| Memoranda: | ||
| Average total assets | $169,696,250 | 3,303 |
| Average earning assets | $156,837,250 | 3,295 |
| Average equity | $17,348,000 | 3,532 |
| Average total loans | $89,174,500 | 3,615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9203% | 3,541 |
| Cost of funding earning assets | 0.4436% | 2,624 |
| Net interest margin | 3.4766% | 3,579 |
| Noninterest income to average assets | 0.2376% | 5,063 |
| Noninterest expense to average assets | 2.2665% | 4,691 |
| Loan and lease loss provision to assets | 0.3594% | 453 |
| Net operating income to assets | 0.5438% | 4,504 |
| Return on assets (ROA) | 0.5887% | 4,444 |
| Pretax return on assets | 0.8896% | 3,992 |
| Return on Equity (ROE) | 5.7209% | 4,183 |
| Retained earnings to average equity (ytd only) | 2.3325% | 4,393 |
| Net charge-offs to loans | 0.8271% | 239 |
| Credit loss provision to net charge-offs | 82.2404% | 2,343 |
| Earnings coverage of net charge-offs (x) | 2.7022% | 3,227 |
| Efficiency ratio | 65.7430% | 3,716 |
| Assets per employee ($millions) | 8.6502% | 448 |
| Cash dividends to net income (ytd only)* | 59.2292% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 4,485 |
| Loan loss allowance to noncurrent loans | 1,434.3750% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 5,142 |
| Noncurrent loans to loans | 0.0701% | 5,169 |
| Net loans and leases to total assets | 52.2479% | 4,651 |
| Net loans and leases to deposits | 71.9364% | 3,790 |
| Net loans and leases to core deposits | 99.0434% | 1,719 |
| Total domestic deposits to total assets | 72.6307% | 5,629 |
| Equity capital to assets | 10.0385% | 4,177 |
| Core capital (leverage) ratio | 10.2874% | 3,215 |
| Tier 1 risk-based capital ratio | 14.4554% | 3,343 |
| Total risk-based capital ratio | 15.2262% | 3,538 |
| Memoranda: | ||
| Average total assets | $167,486,000 | 3,349 |
| Average earning assets | $154,631,670 | 3,341 |
| Average equity | $17,235,000 | 3,553 |
| Average total loans | $88,498,000 | 3,641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,455 |
| Cost of funding earning assets | 0.4479% | 2,610 |
| Net interest margin | 3.4854% | 3,533 |
| Noninterest income to average assets | 0.2404% | 5,020 |
| Noninterest expense to average assets | 2.2364% | 4,817 |
| Loan and lease loss provision to assets | 0.0461% | 2,993 |
| Net operating income to assets | 0.7672% | 3,408 |
| Return on assets (ROA) | 0.8572% | 3,078 |
| Pretax return on assets | 1.3088% | 2,266 |
| Return on Equity (ROE) | 8.2241% | 2,795 |
| Retained earnings to average equity (ytd only) | 7.3621% | 1,721 |
| Net charge-offs to loans | -0.0046% | 4,268 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7679% | 4,008 |
| Assets per employee ($millions) | 12.7045% | 133 |
| Cash dividends to net income (ytd only)* | 10.4816% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 3,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 5,368 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 52.3850% | 4,597 |
| Net loans and leases to deposits | 70.3530% | 3,827 |
| Net loans and leases to core deposits | 95.2212% | 1,868 |
| Total domestic deposits to total assets | 74.4602% | 5,571 |
| Equity capital to assets | 10.5111% | 3,476 |
| Core capital (leverage) ratio | 10.5195% | 2,937 |
| Tier 1 risk-based capital ratio | 15.7072% | 2,821 |
| Total risk-based capital ratio | 16.6162% | 2,924 |
| Memoranda: | ||
| Average total assets | $164,727,000 | 3,388 |
| Average earning assets | $151,834,000 | 3,399 |
| Average equity | $17,169,000 | 3,556 |
| Average total loans | $87,092,500 | 3,678 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,734 |
| Cost of funding earning assets | 0.4277% | 2,866 |
| Net interest margin | 3.7238% | 2,662 |
| Noninterest income to average assets | 0.1971% | 5,405 |
| Noninterest expense to average assets | 2.3714% | 4,584 |
| Loan and lease loss provision to assets | -0.1036% | 5,859 |
| Net operating income to assets | 0.8812% | 2,976 |
| Return on assets (ROA) | 0.8812% | 3,060 |
| Pretax return on assets | 1.3503% | 2,097 |
| Return on Equity (ROE) | 7.7750% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.0569% | 1,258 |
| Net charge-offs to loans | -0.0022% | 4,883 |
| Credit loss provision to net charge-offs | 8,150.0000% | 39 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5421% | 3,976 |
| Assets per employee ($millions) | 13.6913% | 105 |
| Cash dividends to net income (ytd only)* | 9.2352% | 4,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 3,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 5,418 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.1504% | 4,680 |
| Net loans and leases to deposits | 69.7609% | 3,950 |
| Net loans and leases to core deposits | 90.5661% | 2,361 |
| Total domestic deposits to total assets | 74.7559% | 5,576 |
| Equity capital to assets | 10.3338% | 3,587 |
| Core capital (leverage) ratio | 10.8015% | 2,605 |
| Tier 1 risk-based capital ratio | 15.4168% | 2,978 |
| Total risk-based capital ratio | 16.3074% | 3,082 |
| Memoranda: | ||
| Average total assets | $157,294,200 | 3,466 |
| Average earning assets | $144,503,600 | 3,481 |
| Average equity | $17,826,400 | 3,403 |
| Average total loans | $90,968,400 | 3,568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,492 |
| Cost of funding earning assets | 0.4342% | 2,861 |
| Net interest margin | 3.7944% | 2,409 |
| Noninterest income to average assets | 0.1449% | 5,757 |
| Noninterest expense to average assets | 2.3838% | 4,554 |
| Loan and lease loss provision to assets | 0.1800% | 1,160 |
| Net operating income to assets | 0.7038% | 3,887 |
| Return on assets (ROA) | 0.7038% | 3,997 |
| Pretax return on assets | 1.0646% | 3,350 |
| Return on Equity (ROE) | 6.0684% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.6988% | 2,442 |
| Net charge-offs to loans | -0.0014% | 4,676 |
| Credit loss provision to net charge-offs | -21,000.0000% | 5,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6981% | 3,948 |
| Assets per employee ($millions) | 12.4479% | 138 |
| Cash dividends to net income (ytd only)* | 6.0906% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 2,311 |
| Loan loss allowance to noncurrent loans | 1,316.5049% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 5,516 |
| Noncurrent loans to loans | 0.1112% | 5,187 |
| Net loans and leases to total assets | 56.3851% | 4,307 |
| Net loans and leases to deposits | 75.6565% | 3,345 |
| Net loans and leases to core deposits | 102.3144% | 1,359 |
| Total domestic deposits to total assets | 74.5277% | 5,660 |
| Equity capital to assets | 11.4378% | 2,550 |
| Core capital (leverage) ratio | 11.6032% | 1,955 |
| Tier 1 risk-based capital ratio | 16.3666% | 2,642 |
| Total risk-based capital ratio | 17.5644% | 2,614 |
| Memoranda: | ||
| Average total assets | $155,543,750 | 3,520 |
| Average earning assets | $142,802,750 | 3,535 |
| Average equity | $18,038,500 | 3,407 |
| Average total loans | $92,044,500 | 3,573 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 2,446 |
| Cost of funding earning assets | 0.4397% | 2,846 |
| Net interest margin | 3.7868% | 2,372 |
| Noninterest income to average assets | 0.2607% | 5,085 |
| Noninterest expense to average assets | 2.6393% | 3,780 |
| Loan and lease loss provision to assets | 0.2737% | 602 |
| Net operating income to assets | 0.5539% | 4,541 |
| Return on assets (ROA) | 0.5539% | 4,650 |
| Pretax return on assets | 0.8276% | 4,216 |
| Return on Equity (ROE) | 4.7535% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.1942% | 3,364 |
| Net charge-offs to loans | -0.0022% | 4,596 |
| Credit loss provision to net charge-offs | -21,000.0000% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5575% | 3,247 |
| Assets per employee ($millions) | 12.0559% | 151 |
| Cash dividends to net income (ytd only)* | 11.7647% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 2,188 |
| Loan loss allowance to noncurrent loans | 1,315.5340% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 4,823 |
| Noncurrent loans to loans | 0.1159% | 5,297 |
| Net loans and leases to total assets | 55.8417% | 4,356 |
| Net loans and leases to deposits | 75.3305% | 3,338 |
| Net loans and leases to core deposits | 105.8220% | 1,074 |
| Total domestic deposits to total assets | 74.1289% | 5,777 |
| Equity capital to assets | 11.5309% | 2,388 |
| Core capital (leverage) ratio | 11.3172% | 2,151 |
| Tier 1 risk-based capital ratio | 16.4215% | 2,650 |
| Total risk-based capital ratio | 17.6487% | 2,618 |
| Memoranda: | ||
| Average total assets | $153,450,670 | 3,571 |
| Average earning assets | $141,017,670 | 3,583 |
| Average equity | $17,881,670 | 3,438 |
| Average total loans | $91,859,330 | 3,597 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 2,188 |
| Cost of funding earning assets | 0.4383% | 2,896 |
| Net interest margin | 3.8332% | 2,121 |
| Noninterest income to average assets | 0.2529% | 5,150 |
| Noninterest expense to average assets | 2.7613% | 3,379 |
| Loan and lease loss provision to assets | 0.2767% | 555 |
| Net operating income to assets | 0.5006% | 4,682 |
| Return on assets (ROA) | 0.5006% | 4,804 |
| Pretax return on assets | 0.7404% | 4,465 |
| Return on Equity (ROE) | 4.2729% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.1485% | 4,094 |
| Net charge-offs to loans | -0.0043% | 4,459 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0823% | 2,980 |
| Assets per employee ($millions) | 12.2335% | 144 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,213.5922% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 4,919 |
| Noncurrent loans to loans | 0.1129% | 5,359 |
| Net loans and leases to total assets | 56.5649% | 4,141 |
| Net loans and leases to deposits | 75.1742% | 3,152 |
| Net loans and leases to core deposits | 106.4642% | 909 |
| Total domestic deposits to total assets | 75.2451% | 5,807 |
| Equity capital to assets | 11.2453% | 2,704 |
| Core capital (leverage) ratio | 8.8124% | 5,189 |
| Tier 1 risk-based capital ratio | 12.4776% | 4,920 |
| Total risk-based capital ratio | 13.5985% | 4,925 |
| Memoranda: | ||
| Average total assets | $151,812,500 | 3,627 |
| Average earning assets | $139,621,500 | 3,631 |
| Average equity | $17,786,500 | 3,480 |
| Average total loans | $93,352,000 | 3,583 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,176 |
| Cost of funding earning assets | 0.4437% | 3,231 |
| Net interest margin | 3.9711% | 1,971 |
| Noninterest income to average assets | 0.0046% | 6,382 |
| Noninterest expense to average assets | 2.3053% | 5,101 |
| Loan and lease loss provision to assets | -0.1702% | 6,253 |
| Net operating income to assets | 0.9765% | 2,497 |
| Return on assets (ROA) | 1.0253% | 2,355 |
| Pretax return on assets | 1.5648% | 1,335 |
| Return on Equity (ROE) | 9.3989% | 2,394 |
| Retained earnings to average equity (ytd only) | 9.1588% | 671 |
| Net charge-offs to loans | -0.0011% | 5,344 |
| Credit loss provision to net charge-offs | 26,000.0000% | 8 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5789% | 4,652 |
| Assets per employee ($millions) | 10.3279% | 222 |
| Cash dividends to net income (ytd only)* | 2.5543% | 4,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 4,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 5,176 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.2549% | 3,008 |
| Net loans and leases to deposits | 81.2105% | 2,575 |
| Net loans and leases to core deposits | 113.8005% | 613 |
| Total domestic deposits to total assets | 80.3527% | 4,925 |
| Equity capital to assets | 12.2111% | 1,851 |
| Core capital (leverage) ratio | 11.6013% | 1,898 |
| Tier 1 risk-based capital ratio | 17.0281% | 2,502 |
| Total risk-based capital ratio | 18.1271% | 2,505 |
| Memoranda: | ||
| Average total assets | $152,735,200 | 3,589 |
| Average earning assets | $139,282,200 | 3,618 |
| Average equity | $16,661,600 | 3,581 |
| Average total loans | $93,942,000 | 3,550 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4003% | 2,218 |
| Cost of funding earning assets | 0.4380% | 3,386 |
| Net interest margin | 3.9624% | 1,989 |
| Noninterest income to average assets | -0.0457% | 6,508 |
| Noninterest expense to average assets | 2.4069% | 4,802 |
| Loan and lease loss provision to assets | -0.1861% | 6,376 |
| Net operating income to assets | 0.8851% | 2,986 |
| Return on assets (ROA) | 0.9493% | 2,777 |
| Pretax return on assets | 1.4395% | 1,851 |
| Return on Equity (ROE) | 8.9521% | 2,716 |
| Retained earnings to average equity (ytd only) | 8.7083% | 1,094 |
| Net charge-offs to loans | -0.0014% | 5,172 |
| Credit loss provision to net charge-offs | 21,600.0000% | 15 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5532% | 3,931 |
| Assets per employee ($millions) | 11.4264% | 160 |
| Cash dividends to net income (ytd only)* | 2.7224% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 4,271 |
| Loan loss allowance to noncurrent loans | 1,165.6863% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,101 |
| Noncurrent loans to loans | 0.1023% | 5,630 |
| Net loans and leases to total assets | 61.5640% | 3,553 |
| Net loans and leases to deposits | 84.6024% | 2,074 |
| Net loans and leases to core deposits | 116.8894% | 470 |
| Total domestic deposits to total assets | 72.7686% | 6,108 |
| Equity capital to assets | 10.7276% | 3,262 |
| Core capital (leverage) ratio | 10.7370% | 2,780 |
| Tier 1 risk-based capital ratio | 15.2381% | 3,454 |
| Total risk-based capital ratio | 16.2872% | 3,501 |
| Memoranda: | ||
| Average total assets | $154,771,500 | 3,591 |
| Average earning assets | $140,955,750 | 3,615 |
| Average equity | $16,413,000 | 3,630 |
| Average total loans | $93,553,500 | 3,596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,303 |
| Cost of funding earning assets | 0.4448% | 3,389 |
| Net interest margin | 3.9238% | 2,074 |
| Noninterest income to average assets | 0.2339% | 5,525 |
| Noninterest expense to average assets | 2.8594% | 3,316 |
| Loan and lease loss provision to assets | -0.1529% | 6,430 |
| Net operating income to assets | 0.6791% | 3,947 |
| Return on assets (ROA) | 0.7737% | 3,550 |
| Pretax return on assets | 1.2376% | 2,513 |
| Return on Equity (ROE) | 7.3251% | 3,456 |
| Retained earnings to average equity (ytd only) | 7.0776% | 1,733 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3184% | 2,753 |
| Assets per employee ($millions) | 9.1206% | 314 |
| Cash dividends to net income (ytd only)* | 3.3784% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 3,535 |
| Loan loss allowance to noncurrent loans | 863.7584% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 4,803 |
| Noncurrent loans to loans | 0.1576% | 5,541 |
| Net loans and leases to total assets | 60.1389% | 3,690 |
| Net loans and leases to deposits | 79.3239% | 2,609 |
| Net loans and leases to core deposits | 111.9413% | 603 |
| Total domestic deposits to total assets | 75.8144% | 5,928 |
| Equity capital to assets | 10.6533% | 3,250 |
| Core capital (leverage) ratio | 10.4290% | 3,045 |
| Tier 1 risk-based capital ratio | 15.5643% | 3,321 |
| Total risk-based capital ratio | 16.7673% | 3,295 |
| Memoranda: | ||
| Average total assets | $153,038,670 | 3,636 |
| Average earning assets | $138,946,670 | 3,667 |
| Average equity | $16,163,670 | 3,669 |
| Average total loans | $91,513,670 | 3,654 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 2,275 |
| Cost of funding earning assets | 0.4483% | 3,447 |
| Net interest margin | 3.9185% | 2,023 |
| Noninterest income to average assets | -0.0368% | 6,645 |
| Noninterest expense to average assets | 2.6942% | 3,945 |
| Loan and lease loss provision to assets | -0.4473% | 6,652 |
| Net operating income to assets | 0.8446% | 2,933 |
| Return on assets (ROA) | 0.8446% | 3,009 |
| Pretax return on assets | 1.2576% | 2,255 |
| Return on Equity (ROE) | 8.0318% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.7816% | 1,691 |
| Net charge-offs to loans | -0.0044% | 4,797 |
| Credit loss provision to net charge-offs | 17,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8769% | 2,665 |
| Assets per employee ($millions) | 9.8108% | 249 |
| Cash dividends to net income (ytd only)* | 3.1153% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 3,519 |
| Loan loss allowance to noncurrent loans | 1,164.1509% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 4,641 |
| Noncurrent loans to loans | 0.1217% | 5,751 |
| Net loans and leases to total assets | 54.7215% | 4,319 |
| Net loans and leases to deposits | 72.2798% | 3,298 |
| Net loans and leases to core deposits | 104.7345% | 815 |
| Total domestic deposits to total assets | 75.7079% | 6,099 |
| Equity capital to assets | 10.3330% | 3,420 |
| Core capital (leverage) ratio | 10.8611% | 2,533 |
| Tier 1 risk-based capital ratio | 16.1776% | 3,065 |
| Total risk-based capital ratio | 17.3956% | 3,055 |
| Memoranda: | ||
| Average total assets | $152,032,500 | 3,676 |
| Average earning assets | $137,398,500 | 3,711 |
| Average equity | $15,986,500 | 3,700 |
| Average total loans | $90,004,000 | 3,697 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 2,394 |
| Cost of funding earning assets | 0.4822% | 3,795 |
| Net interest margin | 3.9683% | 2,041 |
| Noninterest income to average assets | 0.2487% | 5,567 |
| Noninterest expense to average assets | 2.1982% | 5,630 |
| Loan and lease loss provision to assets | 0.2699% | 1,308 |
| Net operating income to assets | 0.9440% | 2,592 |
| Return on assets (ROA) | 1.0377% | 2,238 |
| Pretax return on assets | 1.5311% | 1,346 |
| Return on Equity (ROE) | 10.3567% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.3567% | 511 |
| Net charge-offs to loans | 0.1732% | 3,094 |
| Credit loss provision to net charge-offs | 252.7950% | 897 |
| Earnings coverage of net charge-offs (x) | 15.5776% | 1,858 |
| Efficiency ratio | 56.9294% | 5,863 |
| Assets per employee ($millions) | 8.6525% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 3,128 |
| Loan loss allowance to noncurrent loans | 496.1131% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 5,053 |
| Noncurrent loans to loans | 0.3047% | 5,276 |
| Net loans and leases to total assets | 62.1869% | 3,329 |
| Net loans and leases to deposits | 74.7736% | 3,135 |
| Net loans and leases to core deposits | 105.4724% | 820 |
| Total domestic deposits to total assets | 83.1670% | 4,484 |
| Equity capital to assets | 10.7096% | 2,925 |
| Core capital (leverage) ratio | 10.8136% | 2,564 |
| Tier 1 risk-based capital ratio | 15.3273% | 3,466 |
| Total risk-based capital ratio | 16.5685% | 3,423 |
| Memoranda: | ||
| Average total assets | $150,808,600 | 3,692 |
| Average earning assets | $137,289,600 | 3,705 |
| Average equity | $15,111,000 | 3,844 |
| Average total loans | $92,954,400 | 3,621 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3567% | 2,749 |
| Cost of funding earning assets | 0.4818% | 3,949 |
| Net interest margin | 3.8749% | 2,361 |
| Noninterest income to average assets | 0.2733% | 5,489 |
| Noninterest expense to average assets | 2.3197% | 5,274 |
| Loan and lease loss provision to assets | 0.2364% | 1,524 |
| Net operating income to assets | 0.8650% | 3,017 |
| Return on assets (ROA) | 0.9244% | 2,828 |
| Pretax return on assets | 1.3435% | 2,154 |
| Return on Equity (ROE) | 9.3818% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.3818% | 939 |
| Net charge-offs to loans | 0.2323% | 2,412 |
| Credit loss provision to net charge-offs | 166.0494% | 1,442 |
| Earnings coverage of net charge-offs (x) | 10.4941% | 2,349 |
| Efficiency ratio | 60.8295% | 5,305 |
| Assets per employee ($millions) | 8.2932% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,017 |
| Loan loss allowance to noncurrent loans | 443.5088% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 5,232 |
| Noncurrent loans to loans | 0.3093% | 5,453 |
| Net loans and leases to total assets | 60.8781% | 3,546 |
| Net loans and leases to deposits | 73.2702% | 3,352 |
| Net loans and leases to core deposits | 100.4366% | 1,081 |
| Total domestic deposits to total assets | 83.0871% | 4,542 |
| Equity capital to assets | 10.1543% | 3,694 |
| Core capital (leverage) ratio | 10.2142% | 3,379 |
| Tier 1 risk-based capital ratio | 15.0234% | 3,738 |
| Total risk-based capital ratio | 16.2583% | 3,697 |
| Memoranda: | ||
| Average total assets | $151,737,750 | 3,711 |
| Average earning assets | $138,633,000 | 3,719 |
| Average equity | $14,950,500 | 3,925 |
| Average total loans | $92,974,000 | 3,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 3,306 |
| Cost of funding earning assets | 0.4853% | 4,034 |
| Net interest margin | 3.7291% | 2,853 |
| Noninterest income to average assets | 0.2845% | 5,413 |
| Noninterest expense to average assets | 2.3296% | 5,278 |
| Loan and lease loss provision to assets | 0.2111% | 1,798 |
| Net operating income to assets | 0.7884% | 3,360 |
| Return on assets (ROA) | 0.8757% | 3,075 |
| Pretax return on assets | 1.2874% | 2,350 |
| Return on Equity (ROE) | 8.9777% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.9777% | 1,130 |
| Net charge-offs to loans | 0.3496% | 1,795 |
| Credit loss provision to net charge-offs | 98.7730% | 2,271 |
| Earnings coverage of net charge-offs (x) | 6.4110% | 2,722 |
| Efficiency ratio | 62.9695% | 5,024 |
| Assets per employee ($millions) | 8.5148% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 4,976 |
| Loan loss allowance to noncurrent loans | 460.1594% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3628% | 5,407 |
| Noncurrent loans to loans | 0.2613% | 5,657 |
| Net loans and leases to total assets | 61.9198% | 3,299 |
| Net loans and leases to deposits | 74.2408% | 3,117 |
| Net loans and leases to core deposits | 104.7102% | 809 |
| Total domestic deposits to total assets | 83.4040% | 4,545 |
| Equity capital to assets | 9.6760% | 4,347 |
| Core capital (leverage) ratio | 9.7944% | 3,801 |
| Tier 1 risk-based capital ratio | 14.1409% | 4,332 |
| Total risk-based capital ratio | 15.2302% | 4,403 |
| Memoranda: | ||
| Average total assets | $152,558,000 | 3,726 |
| Average earning assets | $139,712,330 | 3,727 |
| Average equity | $14,881,330 | 3,968 |
| Average total loans | $93,251,670 | 3,651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 3,172 |
| Cost of funding earning assets | 0.4965% | 4,126 |
| Net interest margin | 3.7366% | 2,710 |
| Noninterest income to average assets | 0.2891% | 5,388 |
| Noninterest expense to average assets | 2.3337% | 5,327 |
| Loan and lease loss provision to assets | 0.1656% | 2,208 |
| Net operating income to assets | 0.8269% | 3,013 |
| Return on assets (ROA) | 0.8305% | 3,147 |
| Pretax return on assets | 1.2168% | 2,514 |
| Return on Equity (ROE) | 8.4792% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.4792% | 1,569 |
| Net charge-offs to loans | 0.7186% | 854 |
| Credit loss provision to net charge-offs | 38.1818% | 2,774 |
| Earnings coverage of net charge-offs (x) | 3.1758% | 2,827 |
| Efficiency ratio | 62.8895% | 5,168 |
| Assets per employee ($millions) | 8.0322% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 5,526 |
| Loan loss allowance to noncurrent loans | 46.8265% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 2,774 |
| Noncurrent loans to loans | 2.3898% | 2,172 |
| Net loans and leases to total assets | 61.0843% | 3,241 |
| Net loans and leases to deposits | 77.0372% | 2,478 |
| Net loans and leases to core deposits | 96.1527% | 1,192 |
| Total domestic deposits to total assets | 79.2919% | 5,910 |
| Equity capital to assets | 9.8157% | 4,400 |
| Core capital (leverage) ratio | 9.6945% | 3,799 |
| Tier 1 risk-based capital ratio | 14.0560% | 4,469 |
| Total risk-based capital ratio | 15.0681% | 4,601 |
| Memoranda: | ||
| Average total assets | $152,204,000 | 3,771 |
| Average earning assets | $139,377,500 | 3,775 |
| Average equity | $14,907,000 | 4,010 |
| Average total loans | $91,849,000 | 3,696 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 2,287 |
| Cost of funding earning assets | 0.7785% | 2,843 |
| Net interest margin | 3.9987% | 2,394 |
| Noninterest income to average assets | 0.1369% | 6,354 |
| Noninterest expense to average assets | 2.4710% | 5,183 |
| Loan and lease loss provision to assets | -0.0188% | 6,832 |
| Net operating income to assets | 0.8401% | 3,094 |
| Return on assets (ROA) | 0.8665% | 3,216 |
| Pretax return on assets | 1.3299% | 2,293 |
| Return on Equity (ROE) | 8.1388% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.1388% | 1,076 |
| Net charge-offs to loans | -0.0641% | 6,747 |
| Credit loss provision to net charge-offs | 46.2963% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0434% | 4,497 |
| Assets per employee ($millions) | 7.9893% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 4,660 |
| Loan loss allowance to noncurrent loans | 148.5237% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 4,509 |
| Noncurrent loans to loans | 0.8712% | 4,439 |
| Net loans and leases to total assets | 58.1465% | 3,955 |
| Net loans and leases to deposits | 72.9883% | 3,249 |
| Net loans and leases to core deposits | 88.2393% | 2,060 |
| Total domestic deposits to total assets | 79.6655% | 5,750 |
| Equity capital to assets | 9.7723% | 4,494 |
| Core capital (leverage) ratio | 10.0625% | 3,326 |
| Tier 1 risk-based capital ratio | 14.3082% | 4,159 |
| Total risk-based capital ratio | 15.4630% | 4,190 |
| Memoranda: | ||
| Average total assets | $132,942,400 | 4,085 |
| Average earning assets | $119,839,400 | 4,112 |
| Average equity | $14,154,400 | 4,124 |
| Average total loans | $84,248,600 | 3,899 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 1,977 |
| Cost of funding earning assets | 0.8611% | 2,452 |
| Net interest margin | 4.0474% | 2,303 |
| Noninterest income to average assets | 0.1591% | 6,347 |
| Noninterest expense to average assets | 2.4362% | 5,285 |
| Loan and lease loss provision to assets | -0.1248% | 7,056 |
| Net operating income to assets | 0.9638% | 2,689 |
| Return on assets (ROA) | 1.0003% | 2,726 |
| Pretax return on assets | 1.5399% | 1,756 |
| Return on Equity (ROE) | 9.1718% | 2,721 |
| Retained earnings to average equity (ytd only) | 9.1718% | 1,164 |
| Net charge-offs to loans | -0.2411% | 7,020 |
| Credit loss provision to net charge-offs | 80.0000% | 3,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1918% | 4,780 |
| Assets per employee ($millions) | 7.4443% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,715 |
| Loan loss allowance to noncurrent loans | 146.7681% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 4,066 |
| Noncurrent loans to loans | 0.9009% | 4,631 |
| Net loans and leases to total assets | 64.4942% | 2,933 |
| Net loans and leases to deposits | 84.3017% | 1,831 |
| Net loans and leases to core deposits | 106.5361% | 712 |
| Total domestic deposits to total assets | 76.5041% | 6,316 |
| Equity capital to assets | 10.9278% | 3,346 |
| Core capital (leverage) ratio | 10.6644% | 2,742 |
| Tier 1 risk-based capital ratio | 14.6966% | 4,048 |
| Total risk-based capital ratio | 15.8997% | 4,053 |
| Memoranda: | ||
| Average total assets | $128,229,000 | 4,228 |
| Average earning assets | $115,200,000 | 4,261 |
| Average equity | $13,984,500 | 4,195 |
| Average total loans | $82,955,500 | 3,989 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9176% | 2,035 |
| Cost of funding earning assets | 0.9005% | 2,394 |
| Net interest margin | 4.0170% | 2,429 |
| Noninterest income to average assets | 0.2534% | 5,768 |
| Noninterest expense to average assets | 2.5779% | 4,850 |
| Loan and lease loss provision to assets | -0.1900% | 7,152 |
| Net operating income to assets | 0.9515% | 2,654 |
| Return on assets (ROA) | 1.0071% | 2,649 |
| Pretax return on assets | 1.5534% | 1,697 |
| Return on Equity (ROE) | 9.2408% | 2,693 |
| Retained earnings to average equity (ytd only) | 9.2408% | 1,196 |
| Net charge-offs to loans | -0.3685% | 7,097 |
| Credit loss provision to net charge-offs | 80.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8583% | 4,346 |
| Assets per employee ($millions) | 7.2494% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3657% | 4,592 |
| Loan loss allowance to noncurrent loans | 138.8489% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4338% | 3,564 |
| Noncurrent loans to loans | 0.9836% | 4,541 |
| Net loans and leases to total assets | 64.0915% | 3,013 |
| Net loans and leases to deposits | 77.7743% | 2,709 |
| Net loans and leases to core deposits | 96.2505% | 1,409 |
| Total domestic deposits to total assets | 82.4071% | 4,979 |
| Equity capital to assets | 10.8897% | 3,241 |
| Core capital (leverage) ratio | 10.8446% | 2,440 |
| Tier 1 risk-based capital ratio | 14.8096% | 3,892 |
| Total risk-based capital ratio | 16.0505% | 3,861 |
| Memoranda: | ||
| Average total assets | $126,306,000 | 4,284 |
| Average earning assets | $113,267,670 | 4,330 |
| Average equity | $13,765,000 | 4,241 |
| Average total loans | $81,414,330 | 4,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 1,879 |
| Cost of funding earning assets | 0.9618% | 2,222 |
| Net interest margin | 4.0410% | 2,326 |
| Noninterest income to average assets | 0.2093% | 6,123 |
| Noninterest expense to average assets | 2.6438% | 4,649 |
| Loan and lease loss provision to assets | 0.0966% | 4,141 |
| Net operating income to assets | 0.7085% | 3,843 |
| Return on assets (ROA) | 0.7085% | 4,062 |
| Pretax return on assets | 1.0949% | 3,343 |
| Return on Equity (ROE) | 6.4981% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.4981% | 2,687 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9337% | 3,990 |
| Assets per employee ($millions) | 6.9636% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 4,253 |
| Loan loss allowance to noncurrent loans | 106.8266% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6921% | 3,321 |
| Noncurrent loans to loans | 1.3857% | 4,035 |
| Net loans and leases to total assets | 61.4863% | 3,357 |
| Net loans and leases to deposits | 77.5251% | 2,594 |
| Net loans and leases to core deposits | 96.9593% | 1,205 |
| Total domestic deposits to total assets | 79.3115% | 6,011 |
| Equity capital to assets | 10.8740% | 3,060 |
| Core capital (leverage) ratio | 10.7796% | 2,464 |
| Tier 1 risk-based capital ratio | 15.2474% | 3,590 |
| Total risk-based capital ratio | 16.4896% | 3,561 |
| Memoranda: | ||
| Average total assets | $124,214,000 | 4,350 |
| Average earning assets | $111,457,500 | 4,403 |
| Average equity | $13,542,500 | 4,293 |
| Average total loans | $79,726,000 | 4,130 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1618% | 2,218 |
| Cost of funding earning assets | 1.1548% | 2,323 |
| Net interest margin | 4.0071% | 2,845 |
| Noninterest income to average assets | 0.0858% | 6,695 |
| Noninterest expense to average assets | 2.6611% | 4,883 |
| Loan and lease loss provision to assets | 0.2016% | 4,165 |
| Net operating income to assets | 0.5933% | 4,036 |
| Return on assets (ROA) | 0.7110% | 3,616 |
| Pretax return on assets | 1.0241% | 3,145 |
| Return on Equity (ROE) | 7.6219% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.6219% | 1,220 |
| Net charge-offs to loans | 0.1702% | 4,795 |
| Credit loss provision to net charge-offs | 167.6471% | 1,611 |
| Earnings coverage of net charge-offs (x) | 8.7721% | 2,096 |
| Efficiency ratio | 71.6088% | 3,657 |
| Assets per employee ($millions) | 7.6927% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,520 |
| Loan loss allowance to noncurrent loans | 107.9426% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 3,299 |
| Noncurrent loans to loans | 1.2866% | 4,222 |
| Net loans and leases to total assets | 65.0748% | 2,962 |
| Net loans and leases to deposits | 85.2421% | 1,772 |
| Net loans and leases to core deposits | 103.3217% | 943 |
| Total domestic deposits to total assets | 76.3412% | 6,439 |
| Equity capital to assets | 10.9316% | 3,044 |
| Core capital (leverage) ratio | 11.7872% | 1,715 |
| Tier 1 risk-based capital ratio | 14.9499% | 3,668 |
| Total risk-based capital ratio | 16.1689% | 3,657 |
| Memoranda: | ||
| Average total assets | $113,072,600 | 4,571 |
| Average earning assets | $102,444,000 | 4,577 |
| Average equity | $10,548,600 | 4,898 |
| Average total loans | $79,925,400 | 4,142 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 1,961 |
| Cost of funding earning assets | 1.2099% | 2,258 |
| Net interest margin | 4.0627% | 2,634 |
| Noninterest income to average assets | 0.0639% | 6,903 |
| Noninterest expense to average assets | 2.7119% | 4,681 |
| Loan and lease loss provision to assets | 0.3473% | 2,797 |
| Net operating income to assets | 0.4868% | 4,595 |
| Return on assets (ROA) | 0.5535% | 4,485 |
| Pretax return on assets | 0.7886% | 4,176 |
| Return on Equity (ROE) | 6.2307% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,416 |
| Net charge-offs to loans | 0.2295% | 4,000 |
| Credit loss provision to net charge-offs | 210.2190% | 1,382 |
| Earnings coverage of net charge-offs (x) | 6.2994% | 2,576 |
| Efficiency ratio | 72.2686% | 3,499 |
| Assets per employee ($millions) | 6.4245% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 3,899 |
| Loan loss allowance to noncurrent loans | 152.7671% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 3,434 |
| Noncurrent loans to loans | 1.0130% | 4,865 |
| Net loans and leases to total assets | 69.1410% | 2,252 |
| Net loans and leases to deposits | 84.6530% | 1,892 |
| Net loans and leases to core deposits | 97.2842% | 1,489 |
| Total domestic deposits to total assets | 81.6758% | 5,202 |
| Equity capital to assets | 12.0633% | 2,202 |
| Core capital (leverage) ratio | 11.6716% | 1,909 |
| Tier 1 risk-based capital ratio | 15.8174% | 3,208 |
| Total risk-based capital ratio | 17.0691% | 3,166 |
| Memoranda: | ||
| Average total assets | $110,570,000 | 4,653 |
| Average earning assets | $100,390,500 | 4,663 |
| Average equity | $9,822,000 | 5,092 |
| Average total loans | $79,600,750 | 4,187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2446% | 2,080 |
| Cost of funding earning assets | 1.2089% | 2,515 |
| Net interest margin | 4.0356% | 2,671 |
| Noninterest income to average assets | 0.2000% | 6,237 |
| Noninterest expense to average assets | 2.6716% | 4,935 |
| Loan and lease loss provision to assets | 0.3459% | 2,708 |
| Net operating income to assets | 0.6035% | 4,051 |
| Return on assets (ROA) | 0.6035% | 4,187 |
| Pretax return on assets | 0.8629% | 3,787 |
| Return on Equity (ROE) | 7.6973% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.6973% | 1,584 |
| Net charge-offs to loans | 0.3426% | 3,194 |
| Credit loss provision to net charge-offs | 139.1304% | 2,188 |
| Earnings coverage of net charge-offs (x) | 4.8623% | 2,751 |
| Efficiency ratio | 68.8487% | 4,357 |
| Assets per employee ($millions) | 6.0364% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,657 |
| Loan loss allowance to noncurrent loans | 139.5647% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0045% | 3,225 |
| Noncurrent loans to loans | 0.9906% | 5,009 |
| Net loans and leases to total assets | 71.5595% | 1,868 |
| Net loans and leases to deposits | 87.6100% | 1,551 |
| Net loans and leases to core deposits | 98.3854% | 1,477 |
| Total domestic deposits to total assets | 81.6796% | 5,282 |
| Equity capital to assets | 8.3475% | 6,365 |
| Core capital (leverage) ratio | 8.0497% | 6,239 |
| Tier 1 risk-based capital ratio | 10.5911% | 6,757 |
| Total risk-based capital ratio | 11.8393% | 6,752 |
| Memoranda: | ||
| Average total assets | $111,021,330 | 4,678 |
| Average earning assets | $101,247,670 | 4,672 |
| Average equity | $8,704,330 | 5,406 |
| Average total loans | $80,567,670 | 4,191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 3,075 |
| Cost of funding earning assets | 1.1992% | 2,824 |
| Net interest margin | 3.8085% | 3,578 |
| Noninterest income to average assets | 0.1925% | 6,347 |
| Noninterest expense to average assets | 2.6523% | 5,022 |
| Loan and lease loss provision to assets | 0.3422% | 2,514 |
| Net operating income to assets | 0.4777% | 4,586 |
| Return on assets (ROA) | 0.4777% | 4,665 |
| Pretax return on assets | 0.6738% | 4,400 |
| Return on Equity (ROE) | 6.2900% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.2900% | 2,467 |
| Net charge-offs to loans | -0.0540% | 6,908 |
| Credit loss provision to net charge-offs | -872.7273% | 6,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3032% | 3,805 |
| Assets per employee ($millions) | 5.8883% | 1,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 4,584 |
| Loan loss allowance to noncurrent loans | 52.0729% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5360% | 1,925 |
| Noncurrent loans to loans | 2.7178% | 2,778 |
| Net loans and leases to total assets | 71.1692% | 1,887 |
| Net loans and leases to deposits | 88.1213% | 1,452 |
| Net loans and leases to core deposits | 99.4206% | 1,387 |
| Total domestic deposits to total assets | 80.7628% | 5,732 |
| Equity capital to assets | 7.6888% | 6,754 |
| Core capital (leverage) ratio | 7.7847% | 6,479 |
| Tier 1 risk-based capital ratio | 10.0243% | 6,995 |
| Total risk-based capital ratio | 11.2755% | 6,990 |
| Memoranda: | ||
| Average total assets | $112,204,500 | 4,680 |
| Average earning assets | $102,401,500 | 4,673 |
| Average equity | $8,521,500 | 5,452 |
| Average total loans | $81,430,000 | 4,209 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5340% | 2,146 |
| Cost of funding earning assets | 1.4948% | 2,677 |
| Net interest margin | 4.0392% | 2,843 |
| Noninterest income to average assets | 0.1745% | 6,490 |
| Noninterest expense to average assets | 2.7318% | 4,842 |
| Loan and lease loss provision to assets | 0.3394% | 4,115 |
| Net operating income to assets | 0.6011% | 3,660 |
| Return on assets (ROA) | 0.6981% | 3,364 |
| Pretax return on assets | 0.8939% | 3,314 |
| Return on Equity (ROE) | 8.9513% | 2,311 |
| Retained earnings to average equity (ytd only) | 8.9513% | 717 |
| Net charge-offs to loans | 0.3636% | 4,203 |
| Credit loss provision to net charge-offs | 124.8227% | 3,293 |
| Earnings coverage of net charge-offs (x) | 4.0780% | 3,076 |
| Efficiency ratio | 71.1273% | 3,967 |
| Assets per employee ($millions) | 5.6266% | 1,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,195 |
| Loan loss allowance to noncurrent loans | 138.1333% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 2.2314% | 3,052 |
| Noncurrent loans to loans | 0.9136% | 5,226 |
| Net loans and leases to total assets | 72.0320% | 2,103 |
| Net loans and leases to deposits | 85.3522% | 2,216 |
| Net loans and leases to core deposits | 97.6650% | 1,829 |
| Total domestic deposits to total assets | 84.3938% | 4,177 |
| Equity capital to assets | 7.5010% | 6,878 |
| Core capital (leverage) ratio | 7.5771% | 6,636 |
| Tier 1 risk-based capital ratio | 10.2742% | 6,833 |
| Total risk-based capital ratio | 11.5125% | 6,817 |
| Memoranda: | ||
| Average total assets | $103,702,800 | 4,882 |
| Average earning assets | $94,127,400 | 4,891 |
| Average equity | $8,088,200 | 5,688 |
| Average total loans | $77,560,600 | 4,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 1,743 |
| Cost of funding earning assets | 1.5526% | 2,651 |
| Net interest margin | 4.1388% | 2,451 |
| Noninterest income to average assets | 0.1655% | 6,687 |
| Noninterest expense to average assets | 2.5708% | 5,427 |
| Loan and lease loss provision to assets | 0.3836% | 3,585 |
| Net operating income to assets | 0.5812% | 3,954 |
| Return on assets (ROA) | 0.6897% | 3,624 |
| Pretax return on assets | 1.1311% | 2,729 |
| Return on Equity (ROE) | 8.7498% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.7498% | 1,134 |
| Net charge-offs to loans | 0.1657% | 4,988 |
| Credit loss provision to net charge-offs | 307.3684% | 1,037 |
| Earnings coverage of net charge-offs (x) | 10.7793% | 1,854 |
| Efficiency ratio | 65.6491% | 4,933 |
| Assets per employee ($millions) | 6.0063% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 4,185 |
| Loan loss allowance to noncurrent loans | 92.7374% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 2.1801% | 3,232 |
| Noncurrent loans to loans | 1.5683% | 4,289 |
| Net loans and leases to total assets | 72.8229% | 2,051 |
| Net loans and leases to deposits | 82.9315% | 2,921 |
| Net loans and leases to core deposits | 107.5178% | 1,198 |
| Total domestic deposits to total assets | 87.8109% | 2,087 |
| Equity capital to assets | 7.6901% | 7,003 |
| Core capital (leverage) ratio | 7.7414% | 6,634 |
| Tier 1 risk-based capital ratio | 10.1260% | 6,996 |
| Total risk-based capital ratio | 11.3894% | 6,972 |
| Memoranda: | ||
| Average total assets | $101,495,500 | 5,001 |
| Average earning assets | $91,973,000 | 5,010 |
| Average equity | $8,000,000 | 5,791 |
| Average total loans | $76,427,000 | 4,513 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 1,343 |
| Cost of funding earning assets | 1.6128% | 2,585 |
| Net interest margin | 4.2183% | 2,096 |
| Noninterest income to average assets | 0.1672% | 6,709 |
| Noninterest expense to average assets | 2.5118% | 5,676 |
| Loan and lease loss provision to assets | 0.4774% | 2,918 |
| Net operating income to assets | 0.6023% | 3,871 |
| Return on assets (ROA) | 0.6023% | 4,007 |
| Pretax return on assets | 0.9870% | 3,166 |
| Return on Equity (ROE) | 7.5741% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.5741% | 1,604 |
| Net charge-offs to loans | 0.2684% | 3,999 |
| Credit loss provision to net charge-offs | 234.6535% | 1,645 |
| Earnings coverage of net charge-offs (x) | 7.1980% | 2,346 |
| Efficiency ratio | 63.1712% | 5,489 |
| Assets per employee ($millions) | 6.1139% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 4,133 |
| Loan loss allowance to noncurrent loans | 66.3253% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 2.4598% | 2,924 |
| Noncurrent loans to loans | 2.1998% | 3,480 |
| Net loans and leases to total assets | 67.5687% | 3,478 |
| Net loans and leases to deposits | 82.3614% | 3,208 |
| Net loans and leases to core deposits | 116.7970% | 819 |
| Total domestic deposits to total assets | 82.0392% | 4,965 |
| Equity capital to assets | 7.4075% | 7,166 |
| Core capital (leverage) ratio | 8.1671% | 6,008 |
| Tier 1 risk-based capital ratio | 9.5319% | 7,246 |
| Total risk-based capital ratio | 10.7941% | 7,247 |
| Memoranda: | ||
| Average total assets | $99,289,670 | 5,103 |
| Average earning assets | $89,656,670 | 5,107 |
| Average equity | $7,895,330 | 5,837 |
| Average total loans | $75,271,670 | 4,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5788% | 2,248 |
| Cost of funding earning assets | 1.6805% | 2,478 |
| Net interest margin | 3.8983% | 3,333 |
| Noninterest income to average assets | 0.1448% | 6,939 |
| Noninterest expense to average assets | 2.5216% | 5,650 |
| Loan and lease loss provision to assets | 0.3919% | 3,022 |
| Net operating income to assets | 0.5197% | 4,292 |
| Return on assets (ROA) | 0.5197% | 4,431 |
| Pretax return on assets | 0.8476% | 3,681 |
| Return on Equity (ROE) | 6.2830% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.2830% | 2,477 |
| Net charge-offs to loans | 0.7662% | 1,976 |
| Credit loss provision to net charge-offs | 63.8889% | 4,229 |
| Earnings coverage of net charge-offs (x) | 2.0208% | 3,529 |
| Efficiency ratio | 67.0442% | 4,907 |
| Assets per employee ($millions) | 7.9538% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2278% | 5,351 |
| Loan loss allowance to noncurrent loans | 72.6911% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 3,024 |
| Noncurrent loans to loans | 1.6890% | 4,214 |
| Net loans and leases to total assets | 76.9545% | 1,338 |
| Net loans and leases to deposits | 87.3043% | 2,356 |
| Net loans and leases to core deposits | 104.9136% | 1,663 |
| Total domestic deposits to total assets | 88.1451% | 1,977 |
| Equity capital to assets | 8.2130% | 6,420 |
| Core capital (leverage) ratio | 8.3117% | 5,719 |
| Tier 1 risk-based capital ratio | 10.4687% | 6,657 |
| Total risk-based capital ratio | 11.6897% | 6,692 |
| Memoranda: | ||
| Average total assets | $93,909,000 | 5,319 |
| Average earning assets | $87,116,000 | 5,271 |
| Average equity | $7,767,000 | 5,923 |
| Average total loans | $75,177,000 | 4,672 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9295% | 2,132 |
| Cost of funding earning assets | 2.0822% | 2,558 |
| Net interest margin | 3.8473% | 3,497 |
| Noninterest income to average assets | 0.1004% | 7,263 |
| Noninterest expense to average assets | 2.6412% | 5,626 |
| Loan and lease loss provision to assets | 0.6816% | 3,098 |
| Net operating income to assets | 0.3886% | 4,168 |
| Return on assets (ROA) | 0.6072% | 3,371 |
| Pretax return on assets | 0.5776% | 3,964 |
| Return on Equity (ROE) | 6.9858% | 2,794 |
| Retained earnings to average equity (ytd only) | 6.9858% | 962 |
| Net charge-offs to loans | 0.3270% | 4,602 |
| Credit loss provision to net charge-offs | 262.2727% | 1,340 |
| Earnings coverage of net charge-offs (x) | 4.0045% | 3,104 |
| Efficiency ratio | 71.7356% | 4,313 |
| Assets per employee ($millions) | 7.1055% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,936 |
| Loan loss allowance to noncurrent loans | 83.6364% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,593 |
| Noncurrent loans to loans | 1.5199% | 4,374 |
| Net loans and leases to total assets | 81.2205% | 807 |
| Net loans and leases to deposits | 95.9792% | 1,329 |
| Net loans and leases to core deposits | 131.9353% | 1,179 |
| Total domestic deposits to total assets | 84.6230% | 3,745 |
| Equity capital to assets | 8.3304% | 6,152 |
| Core capital (leverage) ratio | 8.5051% | 5,276 |
| Tier 1 risk-based capital ratio | 10.2647% | 6,622 |
| Total risk-based capital ratio | 11.5115% | 6,599 |
| Memoranda: | ||
| Average total assets | $84,657,000 | 5,576 |
| Average earning assets | $78,809,000 | 5,497 |
| Average equity | $7,357,800 | 6,149 |
| Average total loans | $67,287,000 | 4,968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9108% | 2,400 |
| Cost of funding earning assets | 2.1711% | 2,551 |
| Net interest margin | 3.7397% | 3,911 |
| Noninterest income to average assets | 0.0983% | 7,413 |
| Noninterest expense to average assets | 2.6931% | 5,357 |
| Loan and lease loss provision to assets | 0.8381% | 2,287 |
| Net operating income to assets | 0.2643% | 4,934 |
| Return on assets (ROA) | 0.3723% | 4,614 |
| Pretax return on assets | 0.1563% | 5,395 |
| Return on Equity (ROE) | 4.2344% | 4,280 |
| Retained earnings to average equity (ytd only) | 4.2344% | 2,907 |
| Net charge-offs to loans | 0.3235% | 4,017 |
| Credit loss provision to net charge-offs | 329.1139% | 1,252 |
| Earnings coverage of net charge-offs (x) | 3.4811% | 3,514 |
| Efficiency ratio | 75.2364% | 3,647 |
| Assets per employee ($millions) | 6.9668% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,366 |
| Loan loss allowance to noncurrent loans | 1,276.3158% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 7,339 |
| Noncurrent loans to loans | 0.1037% | 7,219 |
| Net loans and leases to total assets | 79.8615% | 1,198 |
| Net loans and leases to deposits | 94.4761% | 1,791 |
| Net loans and leases to core deposits | 140.3820% | 896 |
| Total domestic deposits to total assets | 84.5310% | 3,462 |
| Equity capital to assets | 8.3352% | 6,462 |
| Core capital (leverage) ratio | 8.7880% | 4,995 |
| Tier 1 risk-based capital ratio | 9.9761% | 7,008 |
| Total risk-based capital ratio | 11.2264% | 6,960 |
| Memoranda: | ||
| Average total assets | $82,728,250 | 5,669 |
| Average earning assets | $77,009,250 | 5,594 |
| Average equity | $7,273,500 | 6,238 |
| Average total loans | $65,111,000 | 5,105 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8177% | 2,967 |
| Cost of funding earning assets | 2.2506% | 2,572 |
| Net interest margin | 3.5671% | 4,510 |
| Noninterest income to average assets | 0.0999% | 7,479 |
| Noninterest expense to average assets | 2.7785% | 5,052 |
| Loan and lease loss provision to assets | 0.9736% | 1,732 |
| Net operating income to assets | 0.0577% | 5,688 |
| Return on assets (ROA) | 0.1648% | 5,471 |
| Pretax return on assets | -0.1772% | 6,099 |
| Return on Equity (ROE) | 1.8380% | 5,362 |
| Retained earnings to average equity (ytd only) | 1.8380% | 4,320 |
| Net charge-offs to loans | 0.5066% | 2,810 |
| Credit loss provision to net charge-offs | 246.8354% | 1,883 |
| Earnings coverage of net charge-offs (x) | 1.5949% | 4,348 |
| Efficiency ratio | 81.5385% | 2,787 |
| Assets per employee ($millions) | 6.8425% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 4,986 |
| Loan loss allowance to noncurrent loans | 1,063.2911% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 7,360 |
| Noncurrent loans to loans | 0.1123% | 7,240 |
| Net loans and leases to total assets | 78.1075% | 1,720 |
| Net loans and leases to deposits | 91.0364% | 2,646 |
| Net loans and leases to core deposits | 139.1974% | 1,047 |
| Total domestic deposits to total assets | 85.7981% | 2,882 |
| Equity capital to assets | 8.1459% | 6,567 |
| Core capital (leverage) ratio | 8.4987% | 5,448 |
| Tier 1 risk-based capital ratio | 9.2240% | 7,585 |
| Total risk-based capital ratio | 10.3514% | 7,649 |
| Memoranda: | ||
| Average total assets | $80,115,000 | 5,798 |
| Average earning assets | $74,290,000 | 5,736 |
| Average equity | $7,181,670 | 6,309 |
| Average total loans | $62,381,670 | 5,241 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7014% | 3,799 |
| Cost of funding earning assets | 2.2462% | 2,932 |
| Net interest margin | 3.4552% | 4,916 |
| Noninterest income to average assets | 0.0898% | 7,606 |
| Noninterest expense to average assets | 2.8852% | 4,208 |
| Loan and lease loss provision to assets | 1.1625% | 1,118 |
| Net operating income to assets | 0.0476% | 6,134 |
| Return on assets (ROA) | 0.0476% | 6,286 |
| Pretax return on assets | -0.7715% | 7,015 |
| Return on Equity (ROE) | 0.5035% | 6,277 |
| Retained earnings to average equity (ytd only) | 0.5035% | 5,457 |
| Net charge-offs to loans | 0.9381% | 1,412 |
| Credit loss provision to net charge-offs | 160.5839% | 2,644 |
| Earnings coverage of net charge-offs (x) | 0.5401% | 4,563 |
| Efficiency ratio | 88.0645% | 1,891 |
| Assets per employee ($millions) | 6.3162% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,552 |
| Loan loss allowance to noncurrent loans | 639.8148% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 7,193 |
| Noncurrent loans to loans | 0.1700% | 7,039 |
| Net loans and leases to total assets | 76.5181% | 2,154 |
| Net loans and leases to deposits | 92.3196% | 2,543 |
| Net loans and leases to core deposits | 149.4043% | 731 |
| Total domestic deposits to total assets | 82.8839% | 4,202 |
| Equity capital to assets | 8.6469% | 5,846 |
| Core capital (leverage) ratio | 9.1152% | 4,528 |
| Tier 1 risk-based capital ratio | 9.9765% | 6,956 |
| Total risk-based capital ratio | 10.9931% | 7,115 |
| Memoranda: | ||
| Average total assets | $75,696,000 | 5,958 |
| Average earning assets | $69,807,000 | 5,919 |
| Average equity | $7,149,500 | 6,354 |
| Average total loans | $58,413,000 | 5,428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2787% | 4,076 |
| Cost of funding earning assets | 3.0520% | 1,679 |
| Net interest margin | 3.2267% | 6,281 |
| Noninterest income to average assets | 0.0983% | 7,642 |
| Noninterest expense to average assets | 3.2445% | 3,169 |
| Loan and lease loss provision to assets | 0.3141% | 3,861 |
| Net operating income to assets | -0.4310% | 6,856 |
| Return on assets (ROA) | -0.2983% | 6,592 |
| Pretax return on assets | -0.3545% | 6,504 |
| Return on Equity (ROE) | -2.3538% | 6,549 |
| Retained earnings to average equity (ytd only) | -2.3538% | 5,967 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5092% | 800 |
| Assets per employee ($millions) | 5.7735% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 4,979 |
| Loan loss allowance to noncurrent loans | 692.0455% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 7,072 |
| Noncurrent loans to loans | 0.1651% | 6,904 |
| Net loans and leases to total assets | 76.0616% | 2,606 |
| Net loans and leases to deposits | 93.0418% | 2,949 |
| Net loans and leases to core deposits | 140.7167% | 1,228 |
| Total domestic deposits to total assets | 81.7499% | 4,296 |
| Equity capital to assets | 10.3909% | 3,625 |
| Core capital (leverage) ratio | 12.6787% | 1,671 |
| Tier 1 risk-based capital ratio | 11.7736% | 5,004 |
| Total risk-based capital ratio | 12.7982% | 5,084 |
| Memoranda: | ||
| Average total assets | $56,988,200 | 6,490 |
| Average earning assets | $52,064,800 | 6,503 |
| Average equity | $7,222,400 | 6,374 |
| Average total loans | $41,775,800 | 6,086 |